the truth is, i don't think this is going to be such a huge issue becausic in this environment retailers are not going to be able to add that extra fee because people will just go elsewhere. we saw this happen when bank of america says they were going to charge fees on debit cards. this was a huge public outcry. a woman got online and started a petition. absolutely. so, bank of america backed off. the same thing is going to happen here. the issue is the people, the retailers that get hardest of the mom-and-pop businesses, the small businesses and they cannot afford to lose the customers so chances are they have to pay this used position of their revenue when they use the swipe fees so, they get hit hard but i doubt they will use it. >>heather: is this just the beginning of what we may see down the road more and more fees to use our credit card? like we saw with airline industry, more and more fees to add up and hopefully make up for the losses? >> we can just walk the walk and talk the talk, the truth is, you just away. in the end, competition is going to make a difference here. with air